Pathward Financial, Inc. cash flow to debt ratio of 0.00% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Pathward Financial, Inc.'s free cash flow has decreased 100.00% from $236.59M last year to $0.00, signaling decreasing performance

Pathward Financial, Inc.'s debt to equity ratio is 0.45, which means that the company's assets are healthy financed, signaling financial stability.

Pathward Financial, Inc.'s debt has increased relative to shareholder equity from 0.05 last year to 0.45 today, signaling weakened financials

Pathward Financial, Inc. has a net cash position, so leverage is healthy.

Pathward Financial, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Pathward Financial, Inc.'s profit margin was 27.13% last year and is 21.10% this year, signaling decreasing performance

Pathward Financial, Inc.'s short-term liabilities of $6.03B exceed its short-term assets of $1.46B, signaling financial risk

Pathward Financial, Inc.'s return on assets of 2.42% is lower than the 5.00% threshold, indicating inefficient asset utilization

Pathward Financial, Inc.'s return on equity of 20.79%, is higher than 15.00%, indicating good performance

Pathward Financial, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Pathward Financial, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Pathward Financial, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Pathward Financial, Inc. has a free cash flow yield of 0.00%, which is below the 2.00% threshold, indicating limited cash return relative to market value

Pathward Financial, Inc.'s yearly earnings has decreased 5.49% since last year from $185.87M to $175.67M, signaling decreasing performance

Pathward Financial, Inc.'s yearly revenue has decreased 71.01% since last year from $328.10M to $95.13M, signaling decreasing performance

ROIC 11.30% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

Pathward Financial, Inc.'s 3-year revenue CAGR of 10.82% is positive, indicating growing revenue over the past 3 years

Pathward Financial, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Pathward Financial, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Pathward Financial, Inc. has insufficient data to evaluate this check.

Pathward Financial, Inc. has an earnings yield of 11.08%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Pathward Financial, Inc. is overvalued relative to its fair value price of 0.00 based on Base EBITDA Valuation model

Pathward Financial, Inc. has an EV/EBITDA ratio of 2.92x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Pathward Financial, Inc. is undervalued relative to its fair value price of 263.20 based on Base Earnings Fair Value model

Pathward Financial, Inc. has a PEG-ratio under 1 which is considered undervalued

Pathward Financial, Inc. has a price-to-book ratio of 1.93x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Pathward Financial, Inc. has a price-to-sales ratio of 1.90x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue